数字普惠金融与农村创业生存：数字和金融素养的调节作用

IF 7.9 2区经济学 Q1 ECONOMICS

Economic Analysis and Policy Pub Date : 2025-04-22 DOI:10.1016/j.eap.2025.04.025

Bin Li, Ya Pan

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引用次数: 0

摘要

本研究探讨了数字普惠金融对中国农村企业家生存的影响，特别强调了数字和金融素养的调节作用。利用2017年和2019年《中国家庭金融调查》的数据，采用logit模型对648名农村企业家的创业生存状况进行了分析。研究结果表明，较高水平的区域数字普惠金融显著提高了创业生存能力，对拥有更高数字和金融素养的个人的影响更为明显。此外，研究结果表明，数字普惠金融主要通过提高企业绩效来改善企业生存。本研究通过确定数字普惠金融是创业生存的关键决定因素，强调数字和金融素养的调节作用，并为政策制定者和农村企业家提供可操作的见解，以利用数字金融工具实现可持续的商业成功，从而为文献做出了贡献。

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Digital inclusive finance and rural entrepreneurial survival: The moderating role of digital and financial literacy

This study explores the impact of digital inclusive finance on the survival of rural entrepreneurs in China, with a particular emphasis on the moderating roles of digital and financial literacy. Using data from the 2017 and 2019 China Household Finance Surveys, the analysis employs a logit model to examine entrepreneurial survival among 648 rural entrepreneurs. The findings indicate that higher levels of regional digital inclusive finance significantly enhance entrepreneurial survival, with the effect being more pronounced for individuals possessing greater digital and financial literacy. Furthermore, the results reveal that digital inclusive finance improves entrepreneurial survival primarily by enhancing business performance. This research contributes to the literature by identifying digital inclusive finance as a key determinant of entrepreneurial survival, emphasizing the moderating effects of digital and financial literacy, and providing actionable insights for policymakers and rural entrepreneurs to leverage digital financial tools for sustainable business success.

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来源期刊

Economic Analysis and Policy ECONOMICS-

CiteScore

9.80

自引率

9.20%

发文量

231

审稿时长

93 days

期刊介绍： Economic Analysis and Policy (established 1970) publishes articles from all branches of economics with a particular focus on research, theoretical and applied, which has strong policy relevance. The journal also publishes survey articles and empirical replications on key policy issues. Authors are expected to highlight the main insights in a non-technical introduction and in the conclusion.